Construction Business Loans for UK Contractors and Developers
Summary: Construction business loans are finance solutions that help UK contractors and developers manage cash flow, buy materials, fund labour and plant, and progress projects tied to JCT/NEC stage payments and retentions. Fast Business Loans is a free-to-use introducer that matches UK construction firms with suitable lenders and brokers for working capital, invoice finance, asset and equipment finance, materials and project funding, VAT/tax funding, and bridging/development finance. Enquiries won’t affect your credit score; if you proceed, partners may run checks. Subject to status and affordability. Get Started – Free Eligibility Check.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Free to use • No obligation • We’re an introducer, not a lender
Get Started – Free Eligibility Check | Prefer a call back? Request a quick call
Enquiries won’t affect your credit score. If you choose to proceed, our partners may run credit checks. Subject to status and affordability. Terms apply.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Home > Industries > Construction Business Loans
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance That Keeps Your Projects Moving
Construction rarely runs in a straight line. Long payment cycles, stage certifications under JCT/NEC, retentions tying up cash, materials price swings, CIS considerations, payroll, plant hire, and VAT deadlines can all squeeze working capital at the worst moment.
Fast Business Loans connects UK construction businesses with lenders and brokers who understand these realities. Tell us what you need once, and we’ll introduce you to suitable partners for a quick, no-obligation quote. Save time, improve fit, and get responsive support from specialists in your sector.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Get Quote Now – takes under 2 minutes. No obligation.
What Are Construction Business Loans?
“Construction business loans” is a broad term covering finance designed for contractors and developers, typically used for:
- Working capital to bridge cash flow between applications for payment and certification
- Buying materials and funding labour against milestones
- Plant, tools, and vehicle purchases via asset finance
- Invoice finance to unlock cash from approved invoices/certificates
- Bridging and development funding for property projects
- VAT and tax funding to spread HMRC liabilities
We’re an introducer — not a lender, and not financial advice. We match your business with lenders/brokers who can discuss suitable options and pricing. No guarantees; availability and terms depend on your circumstances, status, and affordability.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Construction Finance Options We Can Help You Access
Working Capital and Unsecured Business Loans
- Use for payroll, materials, subcontractors, or project mobilisations
- Typical terms may range from 3–60 months; personal guarantees may be requested
- Decisions can be relatively fast once documents are supplied
- For limited companies seeking £10,000+
Invoice Finance for Contractors and Subcontractors
- Unlock cash tied up in applications for payment, certified invoices, and sometimes approved retentions
- Useful where JCT/NEC contracts create long payment terms
- Typical info: aged debtor schedules, contracts/certifications, bank statements
- Learn more about invoice finance for contractors
Asset and Equipment Finance (Plant, Tools, Vehicles)
- Fund excavators, telehandlers, access platforms, vans, and specialist kit (new or used)
- Options include hire purchase, finance lease, and refinance (release equity)
- Asset-backed lending may help new or growing firms secure better terms
- Explore asset and equipment finance
Bridging and Development Finance
- Short-term property funding for site acquisitions, build costs, or conversions
- Underwriting typically considers experience, GDV, security, and exit strategy
- Specialist packaging via experienced brokers can streamline approval
- See development finance and bridging finance
Materials and Project Finance
- Drawdowns aligned to milestones and QS certifications
- Helps secure bulk materials up front, smoothing cash flow on phased works
- Suited to contractors delivering multi-stage projects
Retentions and Contract Finance
- Specialist lenders may advance funds against approved certificates/retentions
- Can support growth where retained sums limit working capital
VAT and Tax Finance
- Spread HMRC VAT or corporation tax over manageable terms
- Align repayments with project cash inflows
- Read about VAT and tax finance
Revolving Credit and Overdraft Alternatives
- Flexible drawdown facilities linked to project cycles
- Interest typically charged on the drawn balance only
Free Eligibility Check – No obligation. Won’t affect your credit score.
Who Is Construction Finance For?
We connect UK-registered limited companies and incorporated firms across the sector, including:
- Main contractors and subcontractors
- Trades: electrical, plumbing, HVAC, groundworks, M&E, joinery, roofing, scaffolding
- Housebuilders and property developers
- Civil engineering firms and shopfitters
- Plant hire and building services companies
Start-ups and established SMEs are considered by some lenders, especially for asset-backed or secured products. Previous credit issues may be considered — outcomes vary by case.
Eligibility, Documents, and What to Expect
Exact requirements vary by lender and product, but lenders commonly consider:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- UK-registered business (limited company/LLP), typical funding from £10,000+
- Time trading and turnover profile (start-ups may be considered for certain products)
- Director credit history and existing commitments
- Contracts, pipeline, and margin profile
Typical documents requested:
- 3–6 months’ business bank statements
- Photo ID and proof of address for directors
- Latest accounts and/or recent management figures
- CIS statements where relevant
- Contracts/LOIs, QS/certificates, project appraisals (development finance)
- Aged debtors/creditors, asset lists
If invoice funding is a fit, see how invoice finance for contractors can unlock working capital quickly.
Rates, Fees, and Terms — What Affects the Offer
Pricing and terms depend on risk, security, sector, trading history, and product type. Asset-backed facilities typically price differently from unsecured working capital; development finance reflects GDV, experience, and exit strategy.
- Secured vs unsecured funding and available collateral
- Trading performance, cash flow forecasts, and leverage
- Project quality, contracts, and payment profiles (e.g., JCT/NEC)
- Facility structure: term length, drawdowns, and flexibility
We don’t quote generic APRs — offers vary. Share your scenario to compare options from specialists who understand construction. Get Started.
Researching industry-specific guidance? Explore our guide to construction business loans.
How Our Simple Process Works
- Complete a quick enquiry — under 2 minutes. No obligation, soft search only. Start Your Enquiry.
- We match you with UK lenders/brokers experienced in construction finance.
- Get a quick call/email to discuss options, rates, and documents.
- Compare and proceed only if you’re happy with the offer and terms.
Why Construction Firms Choose Fast Business Loans
- Sector-aware matching — introductions to partners who understand JCT/NEC, retentions, and staged payments
- Save time — one short enquiry connects you to suitable providers
- Improve the fit — better alignment can help approval chances
- Dedicated support — fast responses; real people, clear next steps
- Free to use — no obligation to proceed
- Secure handling — your data is only shared with relevant partners
Prefer to talk it through? Request a quick call and we’ll line up the right conversation.
Considering equipment upgrades? Compare asset and equipment finance options.
Funding Scenarios We See Every Week
1) Bridging payroll until certification is paid (invoice finance)
A subcontractor delivering M&E works faced a 45-day gap before certification payment. A selective invoice finance line advanced a percentage of the certified application, covering payroll and materials. When the client paid, the facility was reconciled. Outcome: smoother cash flow and no project slowdowns.
2) Upgrading plant without draining cash (asset finance)
A groundworks firm funded a used excavator via hire purchase over 48 months with a VAT deferral to match cash inflows. The lender reviewed bank statements and asset details; documentation completed swiftly. Outcome: productivity gains and predictable monthly costs.
3) Site acquisition to development exit (bridging to development)
A developer used bridging finance to secure a site pre-planning, then exited onto development finance after planning approval. Underwriting considered experience, GDV, and the exit via sale/refinance. Outcome: deal secured quickly with a clear path through build to sale.
Scenarios are illustrative; every case is assessed on its own merits and subject to status and affordability.
Construction Finance FAQs
How fast can funding be arranged?
Timelines vary by product, documents, and lender. Some facilities can be agreed within days once underwriting receives what it needs.
Will my enquiry affect my credit score?
No. Submitting our enquiry won’t affect your credit score. If you proceed with a lender or broker, they may run credit checks.
Can start-ups or newly formed contractors apply?
Yes, for some products — particularly asset-backed facilities — subject to status and affordability.
Can I get finance with previous credit issues?
Potentially. Some lenders consider adverse credit where affordability and security are acceptable. Outcomes vary.
Do I need security or a personal guarantee?
It depends. Unsecured facilities may request a personal guarantee; asset finance is typically secured on the asset; property facilities are usually secured on property.
Can lenders work with JCT/NEC contracts and retentions?
Yes. Some specialists are familiar with stage-based certifications and retentions and can structure facilities accordingly.
What funding amounts are available?
We typically introduce funding from £10,000 upwards, through to multi-million facilities for larger projects, subject to eligibility.
Can I refinance existing equipment or consolidate?
Yes. Asset refinance can release equity, reduce monthly outgoings, or restructure existing agreements, subject to valuation and status.
Do you charge a fee?
Our service is free for business owners to use. If you proceed, any lender/broker fees will be disclosed by them before you agree.
Are you a lender and do you give advice?
No. Fast Business Loans is an introducer. We don’t lend and we don’t provide financial advice. We connect you with suitable lenders/brokers who discuss options directly with you.
Important Information and Transparency
- Fast Business Loans is an introducer, not a lender, and does not provide financial advice.
- We introduce you to finance brokers/lenders who discuss options with you directly.
- Enquiries won’t affect your credit score; partners may run checks if you choose to proceed.
- All finance is subject to application, status, and affordability. Terms and conditions apply.
- We aim to ensure information is clear, fair, and not misleading.
Get Your Free Eligibility Check
Tell us what you need and we’ll connect you with lenders and brokers who understand construction. No obligation. Won’t affect your credit score.
Reviewed by Industry Editor, UK Commercial Finance — 28 Oct 2025
– What are construction business loans for UK contractors and developers? They’re sector-specific finance solutions to cover cash flow, materials, labour, plant and project costs, often aligned to JCT/NEC stages and retentions.
– How quickly can construction finance be arranged? Many facilities can be agreed within days once the required documents are supplied and underwriting is complete.
– Can I unlock cash from applications for payment, certified invoices or retentions? Yes, invoice finance can advance against approved applications/certificates and, with some lenders, selected retentions to bridge long payment terms.
– Do you offer unsecured working capital for contractors? We can introduce unsecured business loans from around £10,000 with typical terms of 3–60 months, subject to status and affordability.
– Do I need security or a personal guarantee? It depends on the product: unsecured loans often require a personal guarantee, asset finance is secured on the asset, and property facilities on property.
– Can start-ups or firms with past credit issues get funding? Some lenders will consider new businesses and adverse credit where affordability, experience or security support the case.
– What documents will lenders usually ask for? Expect 3–6 months’ bank statements, director ID/address, latest accounts or managements, CIS info, contracts/QS certificates and aged debtor lists where relevant.
– How much can I borrow and what will it cost? Facilities typically start from £10,000 up to multi‑million for larger schemes, with pricing based on risk, security, experience and facility structure.
– Will submitting an enquiry affect my credit score? No—our free eligibility check uses a soft search; partners may run credit checks only if you choose to proceed.
– Are you a lender and does it cost to use your service? We’re an introducer, not a lender, and our matching service is free to use with no obligation to proceed.